Specialty Plans

Discover GeoBlue's full array of travel and international medical plans for global lifestyles and sophisticated travelers. From a 2 week leisure trip to a 2 year work assignment, we've got you covered.

Why Choose GeoBlue

Meet GeoBlue, a better kind of care for world travelers like you. Experience unsurpassed service and the convenience of mobile technology to access the best medical care no matter what country, town or time zone.

Member Services

Discover GeoBlue's full array of travel and international medical plans for global lifestyles and sophisticated travelers. From a 2 week leisure trip to a 2 year work assignment, we've got you covered.

Policies for applicants residing outside the U.S. are issued through the Global Citizens Association office in Washington D.C. The zip code that applies is 20036. Enter "0" in the quoting tool if applying online while living outside the U.S.

The underwriting time frame depends on the verification of student status listed on the application. Our commitment is to respond to a submission in writing within 24 - 48 hours. This may mean that we send a request for additional information to the applicant, such as a copy of a tuition bill, class schedule or letter from the registrar, or notify the applicant that they erroneously missed a question on the application form. Our turnaround time in these situations will depend on how quickly the applicant responds to our request.

If we receive the application before the requested effective date, we can honor the effective date even if the approval comes through thereafter.

If you are applying for coverage as a student only, you are eligible for our expedited underwriting process. If you are a student in need of dependent coverage, or you are a faculty member, you will be directed through the normal underwriting process.

In either situation above, the best way to expedite underwriting is to submit verification of your school status with your application.

You do not need to go through medical underwriting when you re-enroll into your current plan design without changes. You may be underwritten again if you decide to select different benefits (see below). Plan changes can only be requested at time of re-enrollment.

If a member would like to increase benefits (by lowering a deductible) they must complete a new application. If a member would like to reduce their benefits, they do not need to complete a new underwriting application.

Out-of-pocket expenses are defined as the expenses a member incurs when satisfying the plan's deductible and coinsurance requirements. The deductible and coinsurance level varies based on where treatment is delivered as shown in the table below. The total annual out-of-pocket expense limit is calculated by adding the deductible and coinsurance maximum together. In this example, it is $2,250. Deductibles must be satisfied before any benefit is paid. Coinsurance is applied as a percentage of the payable medical charges. This percentage is only applied to care delivered inside the U.S. and varies depending on whether the care is delivered in-network or out-of-network.

GeoBlue Navigator Plan1,2,3,4,5

Deductible

Coinsurance Maximum

Outside U.S.

Inside U.S.In Network

Inside U.S.Out of Network

250

$125

$250

$500

$2,000

Out of Pocket Expense Example

Member is covered under the GeoBlue Navigator 250 plan and receives services from an in-network hospital in the U.S.

Payable medical expenses are $20,000, the $250 deductible must be satisfied, and 20% coinsurance applies.

A member is only responsible for $2250 in out-of-pocket expenses. This is due to the fact that there is a Coinsurance cap of $2,000.

You can enroll in a GeoBlue Navigator policy up to age 75. The policy does not automatically renew upon your request. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to our secure website. Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Navigator rates are standard rates for all members re-enrolling. Rates are reviewed and approved by state insurance regulators, which protects your rights and guarantees fairness. By contrast, offshore/surplus lines insurers are not required to file rates for approval.

If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue's medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. There are several reasons why coverage would not be considered creditable: 1) The medical benefits are too low 2) We do not consider surplus lines insurance sold in the U.S. as creditable coverage 3) We do not consider National or Public Health Insurance as creditable coverage 4) There is a time lapse where there was no coverage up until your effective date of your new plan.

The number of months of coverage shown on the Certificate will reduce or eliminate the 12 month pre-existing condition waiting period. If you have 12 or more months of creditable coverage, your waiting period will be eliminated. If you have less than 12 months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from 12 months to 10 months.

GeoBlue Health and Safety services help members identify, access, and pay for quality healthcare all over the world. This includes a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for the bills to be sent directly to GeoBlue for payment. GeoBlue will automatically arrange for direct settlement of the bill for this visit. Please note, direct billing may not be available everywhere.

Direct billing can also be requested by calling the assistance telephone number listed on your member ID card, or by emailing globalhealth@geo-blue.com. Please note that in the U.S. a member can simply show their ID card at time of service and participating providers will only bill the member for any required deductible or co-payment.

A claims instruction page is available online and can be accessed by visiting www.geobluetravelinsurance.com Claim forms are downloadable from this section of the site as well.

Any cancellation requests must come from the insured subscriber and be received by GeoBlue in writing via email, fax or regular mail. There are no cancellation fees or penalties. However, GeoBlue does not refund premium for a partial month. Retroactive cancellations are also not permitted.

Yes. The GeoBlue Navigator plan does not exclude illnesses or injuries related to terrorism or a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities. If you are moving to or are in a country with a state department travel warning, contact your agent or GeoBlue to see if you are eligible to be issued a plan. Note, once issued coverage is afforded to members in all countries.

The evacuation benefit pays for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.

Use of birth control is not automatically excluded on the policy. GeoBlue reviews the medical condition for which birth control is being used. If it is being used solely as a contraceptive, it is excluded. If it is being used to treat an approved condition, it will be covered. In this instance, the member will have to pay for the prescription up front and submit a claim to GeoBlue, along with a letter from the prescribing doctor indicating the medical necessity of the contraceptive.

After 364 days of continuous coverage, GeoBlue Navigator members are eligible to enroll in a new plan that covers maternity costs in the same way as all other conditions. Members do not need to submit a new health statement. If you are coming directly off a HTH Student plan which included maternity, your wait period can be reduced or eliminated.

Global Citizens Association (GCA) is a non-profit organization that gives its members the opportunity to enhance global learning and lifestyles through safe and healthy world travel. With access to GCA resources such as the Healthy Travel Blog (www.healthytravelblog.com) and international medical assistance information and services, members are able to pursue extended episodes of international living that increase cross-cultural understanding and promote an abiding respect for the world’s many peoples. Founded in 1994 to serve international students, GCA has grown to encompass world travelers and expatriates in all corners of the globe. As an organization run for the benefit of its members, GCA conducts an annual meeting of its membership in January each year to select Board Members and to review and discuss benefits and membership policy.

This plan does not provide Minimum Essential Coverage and therefore does not meet the requirements of the Affordable Care Act (ACA). It is filed as a limited duration policy designed specifically for international living. Coverage by the insurer can be 1) accepted, 2) accepted with a rate increase, or 3) denied based on the health history of the applicants(s). A waiting period for pre-existing conditions applies unless you have 12 months of prior creditable coverage. There is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year. For international Students on a J1, F1 or M1 Visa, you are exempted from any tax penalty under the Affordable Care Act. For Americans abroad, there is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year.

Yes, the plan benefits and three deductible options meet the requirements. The deductible options that meet the requirements are the 0, 250 and 500 plans. Full details of the requirements can be found on https://www.federalregister.gov/

Expat Worldwide Quote

Select either the 1st or the 15th of the month. You must select a date within the next 90 days.

If you currently have health coverage, we strongly recommend that you maintain your current coverage. The specific effective date you request is subject to underwriting and approval of your application, and we strongly recommend you allow 60-75 days for underwriting. This will help ensure that your application is processed before you surrender your present insurance and will prevent you from being required to pay for two policies.

Later in the application process you will be given the option to allow GeoBlue to assign your Effective Date. If you choose this option, your effective date will assigned as either the 1st or the 15th of the month following the approval of your application.

REQUESTING AN EFFECTIVE DATE DOES NOT GUARANTEE UNDERWRITING TO BE COMPLETED BEFORE THE DATE REQUESTED.

What zip code applies when applying from overseas?

Policies for U.S. citizens abroad are issued through the Global Citizens Association office in Washington D.C. When you apply for coverage you become a member of the Association.

What zip code applies when you apply in the U.S.?

Please indicate the zip code in your home area or employers address.

If you maintain coverage from a U.S. Primary Health Plan for the duration of your travel, you are eligible for simplified underwriting consideration. This process features fewer medical questions and a more expedient decision.

Rates for the Xplorer Select plan are not determined by health history.

Traveling with a group?

Frequent Traveler?

Travel Medical Insurance Fast Facts

Many international travelers do not have
appropriate insurance protection. Government sponsored
health programs such as Medicare almost never cover care
received in a foreign country. Employer-sponsored health
plans often limit overseas coverage to emergency care only
(and the burden will be on you to prove it's an emergency).
Emergency medical evacuation is almost never covered. Even
if you're traveling on business, you may have significant gaps
in your coverage.

Why is Travel Health insurance so critical for international travel?

Obtaining healthcare in some parts of the world can be tricky.
Some hospitals won't provide any treatment—or won't allow a
patient to be discharged—until the hospital has received a
guarantee of payment. Such guarantees are commonly provided by travel
insurers, in conjunction with assistance providers, but rarely by other
insurers or managed care plans. This means you'll have to pay in advance,
perhaps as much as tens of thousands of dollars, with your credit card. Of
course, for this to work the hospital must accept foreign credit cards and
your card must have a sufficient credit limit.

In addition, remember that leaving your destination—for a place with higher
quality medical care or to return home where your regular insurance is accepted—can
be difficult. Medical evacuations are tricky to arrange and there are some air ambulance
providers who should be avoided. Worse, local authorities may have financial ties to certain
evacuation companies. The solution? Most travel insurance includes a medical assistance benefit,
which is critical. It gives you 24/7/365 access to a company that will arrange an evacuation for
you with a creditable evacuation company--or, through their medical personnel, can help assure that
you're getting appropriate treatment locally. The assistance company will also be available to help
with other travel related problems such as legal troubles, lost passports or credit cards, etc.
Emergencies are rare but everyone should have a contingency plan.

Assess Your Personal Health Plan

If you have health insurance in the U.S.,
the first step is to check with your insurance
company and establish what kind of coverage you have.
If you have difficulty getting a straight answer, that
alone should be a warning. If you don't have insurance
in the U.S., consider that you might need it more than
ever when traveling—and recognize that the coverage
can be cheap—as little as $1.50 to $9.00 per day.

Main Types of Coverage to Consider

Health/accident insurance. Typically referred
to as travel health insurance, these policies pay
for doctor and hospital bills, and sometimes dental
care and medications. These plans can be written for
short trips (1 day - 6 months) and will supplement
Medicare or a managed care plan. International health
insurance can also be purchased as primary insurance
for expats or someone relocating to another country for
an extended period of time (6 months or longer). These plans
are comprehensive and include added features such as
preventative services, acupuncture, chiropractic, maternity
benefits and more.

Medical Evacuation. Evacuations can be expensive (as much as
$100,000 or more from a remote location). In addition to the
coverage, you'll want assistance arranging an evacuation. All
of GeoBlue’s products offer coverage for medical evacuation.